Unless otherwise stated in your policy or your Policy Schedule, this insurance does not cover claims related to or in any way caused or contributed to by:
This insurance does not cover claims for, or in any way caused or contributed to by:
It is a condition precedent to our liability under this insurance contract that the following matters, in relation to all persons in respect of whom you wish us to provide you with cover under this policy, are true and accurate:
If any person in respect of whom you wish us to provide you with cover under this policy does not meet the eligibility requirements above we will not provide you with any cover in relation to such person under this policy.
Please contact the administrator as soon as possible if any person in respect of whom you wish us to provide you with cover under this policy does not meet, or no longer meets, the eligibility requirements, or if you have any queries. Contact details are given on page 4 of the Policy Document
Heart Surgery is included in the Medical Recovery Insurance Schedule of Procedures.
Heart Attacks may not require surgery but will virtually always lead to time off work, these are also covered as a Band C benefit. Please see our definition of a Heart Attack in the Policy Document
Medical Recovery Insurance benefits are graded according to the recovery time of a procedure. Our plans do not distinguish as to where operations and medical procedures are carried out or how long they take.